The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$87,590
−HK$5,493/mo
▼ 0.25% · 3.875%
HK$90,315
−HK$2,768/mo
Today · 4.125%
HK$93,083
baseline
▲ 0.50% · 4.625%
HK$98,747
+HK$5,664/mo
Deposit HK$19.21M · loan HK$19.21M · min. income ≈ HK$186,166/mo (50% DSR)
Upfront cash ≈ HK$20.84M (deposit + AVD stamp duty HK$1,632,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,444
−HK$5,264/mo
▼ 0.25% · 3.875%
HK$100,057
−HK$2,651/mo
Today · 4.125%
HK$102,708
baseline
▲ 0.50% · 4.625%
HK$108,122
+HK$5,414/mo
Deposit HK$19.21M · loan HK$19.21M · min. income ≈ HK$205,416/mo (50% DSR)
Upfront cash ≈ HK$20.84M (deposit + AVD stamp duty HK$1,632,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,109
−HK$6,591/mo
▼ 0.25% · 3.875%
HK$108,378
−HK$3,322/mo
Today · 4.125%
HK$111,700
baseline
▲ 0.50% · 4.625%
HK$118,496
+HK$6,796/mo
Deposit HK$15.37M · loan HK$23.05M · min. income ≈ HK$223,400/mo (50% DSR)
Upfront cash ≈ HK$17.00M (deposit + AVD stamp duty HK$1,632,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,932
−HK$6,318/mo
▼ 0.25% · 3.875%
HK$120,068
−HK$3,182/mo
Today · 4.125%
HK$123,250
baseline
▲ 0.50% · 4.625%
HK$129,746
+HK$6,496/mo
Deposit HK$15.37M · loan HK$23.05M · min. income ≈ HK$246,500/mo (50% DSR)
Upfront cash ≈ HK$17.00M (deposit + AVD stamp duty HK$1,632,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,627
−HK$7,689/mo
▼ 0.25% · 3.875%
HK$126,441
−HK$3,875/mo
Today · 4.125%
HK$130,316
baseline
▲ 0.50% · 4.625%
HK$138,246
+HK$7,930/mo
Deposit HK$11.52M · loan HK$26.89M · min. income ≈ HK$260,632/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,632,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,421
−HK$7,370/mo
▼ 0.25% · 3.875%
HK$140,080
−HK$3,711/mo
Today · 4.125%
HK$143,791
baseline
▲ 0.50% · 4.625%
HK$151,371
+HK$7,580/mo
Deposit HK$11.52M · loan HK$26.89M · min. income ≈ HK$287,582/mo (50% DSR)
Upfront cash ≈ HK$13.16M (deposit + AVD stamp duty HK$1,632,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$157,663
−HK$9,887/mo
▼ 0.25% · 3.875%
HK$162,567
−HK$4,983/mo
Today · 4.125%
HK$167,550
baseline
▲ 0.50% · 4.625%
HK$177,745
+HK$10,195/mo
Deposit HK$3.84M · loan HK$34.57M · min. income ≈ HK$335,100/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$1,632,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$175,398
−HK$9,477/mo
▼ 0.25% · 3.875%
HK$180,102
−HK$4,773/mo
Today · 4.125%
HK$184,875
baseline
▲ 0.50% · 4.625%
HK$194,620
+HK$9,745/mo
Deposit HK$3.84M · loan HK$34.57M · min. income ≈ HK$369,750/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$1,632,534 · Scale 2, in force from 26 Feb 2026)